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importance of insurance
Insurance is a protective measure used against future conditional losses to verge the possible risks of the future. It protects a person from risk of losses through financial means and provides a means for individuals and societies to handle some of the risks faced in daily life by legal contract. Insurance companies are…
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Mortage Protection - Advice Please
Hello, Not sure if anyone can help. We bought our house in February 2006 and have had unemployment and sickness cover since this date (about £20 per month) for my husband. He has been in the same job since this date and was made redundant in July (statutory with 6 weeks payment in lieu). We sent a claim in when he had been…
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Offer from Lloyds - can someone please advise?
Hi, After sending the claim form to Lloyds a few weeks ago I have received a letter today offering me a settlement. Could someone please have a quick look at the details to let me know if its the right thing to accept and , if possible, approx how much I should receive? I am totally confused by the letter (not a maths…
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Help needed with calculating PPI
Hi Hope someone can help. The FOS has just upheld my claim that PPI on my credit card was missold. I'm trying to calculate how much I paid in PPI. Can anyone tell me that, if I was paying say £50 per month on minimum repayment, how much of that would be PPI? It's the period 2004-2005. Thanks for any help.
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Massive result!!
:jJust had an absolutely amazing result - I have had personal loans and a Credit card with Lloyds TSB for a number of years. I starting claiming that I had been mis-sold back in early Feb 2010, in July I was refunded £3,500 for my creditcard and have been in negotiations for the loans for what seems like ages! I received…
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Question regarding LloydsTSB
Hi all, Got a quick LloydsTSB question that I have had trouble getting a clear answer to, either on teh phone to Lloyds peeps, or via regular googling and I know that with the knowledge gathered on this forum someone may have the answer! I have been starting to keep a close eye on my bank outgoings (amazing I didn't do…
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in need of help reg halifax
I am in the middle of filling out my application for miss-sold PPI but am unsure if Hlaifax have been fined by the FSA for miss-seling. have googled and it says on one of the dodgy we can claim on your behalf websites that they have but nothing onmartins guide about them. thanks in advance for the help
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PPI reclaim
We had PPI on a car loan starting in 2002. It was a single premium and was added to the loan, and of course incurred interest. A company called Save & Claim Ltd MOJ No CRM17673 has contacted us, saying that they would be able to claim the money back plus interest. This is for an upfront fee of £125 and a win fee of 25%…
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Reclaiming PPI from internet loans
Hi, has anyone had any success claiming PPI back from loans taken out online (namely Cahoot and Egg)? I understand it can be quite difficult, has anyone been successful?
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Help with ppi questionnaire
I'm in the process of filling out the questionnaire,& question A4 asks for the ppi policy number, which I don't seem to have. The only policy/account number is the loan account number. Any ideas?
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Nationwide PPI question
Hi, is it possible to claim back Payment Protection Insurance from when I had this in place on a mortgage with Nationwide Building Society. I stopped the PPI within a year of starting it. I`m still with Nationwide but on a different mortgage rate now. Can I get this PPI payment returned to me. It would have been about 7…
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Welcome Finance
Hi Folks Just starting to attempt to reclaim PPI on a lone taken out 9 years ago with the dreaded "Welcome Finance" I looked at Martins guide, but it must be me, which template do I use as the first letter to start a claim? do I also enclose a covering letter?? Has anyone got there own successful template i can use??? and…
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Need copies of loan agreements from RBS
I have had loans from RBS for approx 10-12 years. I have always taken out a new loan which has paid the balance on the old loan and given me some cash in my account. Have done this maybe 5 or 6 times. Each time the PPI has been added to the loan and then interest paid on the loan plus PPI. I only have copies of the last…
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MBNA reclaiming PPI response
Hi Everyone Sent in my FOS questionaire for reclaiming PPI just over a month ago, recieved a response today that I am confused about, has this happened to anyone else. Letter says. I value the opportunity you have given us to review and address the points you have raised. To assist our investigation further as you have…
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case won..(possibly)...lol
hi all, i had a loan with b-horse. after many fone calls and many misleading sets of figures i finally may have some good news, the last call from them said i would get around £420.00 back as i had paid the loan off early... after contacting a claims company they have now sent an letter of offer £8k+ ....wow.... please…
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Once a complaint is with the adjudicator, how long might it take?
My complaint has taken 10 months to get to the adjudicator. Any idea of how long complaints normally remain there before a decision or outcome is reached?
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RBS/Direct Line loan write off
Hi I have received a refund from RBS/Direct Line but they have deducted the shortfall of £2.5k after I made a full and final settlement in Oct 2006. My settlement was £13,027 and I paid £10.5k and the loan was closed. I made 32 of the 60 PPI payments before settling but they are saying the whole balance written off was PPI…
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Finding policy numbers
I am about to take up the challenge of trying to reclaim my PPI back from various cards. I have really only ever had 1 card with debt on it at any one time and have transferred balance between 4 cards to benefit from 0% interest periods. Trouble is, I don’t have any paperwork for the earliest cards and thus don’t know my…
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Where to start...
Hi there, I'm looking for some advice in claiming back my PPI's. I'm new to this, and to be honest it all looks quite confusing, so any advice would be greatly appreciated! The main problem I have is that over the last 10 years or more, I've had many loans and credit cards, and can't really remember who they were all with.…
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PPI reclaims and Government Employees
Hi all, I've been a teacher for the past 5 years, and have stumbled upon a few (dodgy commerical) loan reclaim websites that state that if you work for a government organisation then you are totally exempt from paying PPIs on mortgages and loans. I took out an £8k loan from NatWest last May to buy a new motor. I was a bit…